SAYAD RAFIQUE
Circle Credit Head | Risk Management
Hyderabad
Overview
17
17
years of professional experience
Work History
Circle Credit Head
NeoGrowth Credit Pvt Ltd
12.2024 - Current
- Maintaining a book of over Rs. 600 cr.
- Leading a team of 25 credit members in AP&TS and East
- Responsible for credit and risk function management.
- Handling escalation and resolve audit queries.
- Coordinate and collaborate with sale and collections team
- Vendor management for FI and FCU.
- Managing the risk team including credit managers, credit operations, technical manager and legal coordinator.
- Managing credit cost based on approved budget and look for cost effective methods of managements.
- Monitoring ED and NS to draw root cause analysis.
- Monitoring and visiting high risk branches
- Drive the daily sanction and disbursement process for all locations.
- Monitoring and ensuring TAT deliverables.
- End-use monitoring for high value cases.
- Ensure credit policy is followed and procedures for implemented
- Advice the policy team for process improvement and implementation.
- Training the team on new policy and process changes
- Regular review of concurrence audit and monthly audit queries and ensuring no high risk errors.
- Monthly review with Regional Credit Manager on health of the portfolio and develop mitigations for risk minimization.
- Monthly review meeting with Business, Technical and Legal team to understand the problems and to provide appropriate solutions
- Monthly review of credit team to ensure they are aware of any policy changes, resolve their concerns and do brain storming exercise for process improvement.
Area Credit Manager
Godrej Capital
08.2022 - 12.2024
- Maintaining a secured book of over Rs. 500 cr.
- Managing a credit team of 8 credit team members
- Responsible for the location of Andhra and Telangana.
- Underwriting and approving high value LAP cases
- Managing team of credit managers, credit officers and Technical team
- Driving team to achieve location and organization targets.
- Focus on building high value LAP book while focus on quality
- Empaneling and managing legal vendors
- Complete management of underwriting process of LAP
- Ensuring best in industry TAT
- Regular review of concurrence audit and monthly audit queries and ensuring no high risk error are mark
- Conducting regular training of the business and other functions
- Coordination and collaboration in all functions
- Client meeting for conducting personal discussion.
- Follow up on the disbursement process and support the business to ensure disbursement target.
Area Credit Manager
Equitas Small Finance Bank
10.2019 - 08.2022
- Responsible for end to end home loan and mortgage lending process for AP and Telangana region.
- Managing a team of 16 members including 14 BCM and 2 CCM
- Ensure the team is following banks credit policy and taking appropriate deviation.
- Regular review of concurrence audit and monthly audit queries and ensuring no high risk error are mark
- Monitoring Delinquency and NPA to be at low levels.
- Managing the collection process along with the BM/ABM.
- Giving feedback to credit policy team based on experience.
- Facilitating smooth process to ensure good sanction number without compromising the quality of underwriting.
- Approving or Rejecting cases based on the recommendation and underwriting of BCM and CCM.
- Ensure credit TAT is achieved by resolving any challenges.
Regional Credit Manager
ICICI Bank India Ltd
01.2016 - 10.2019
- Manage team of 7 Credit Process Associate (CPAS) & 3 Branch Credit Managers.
- Managed locations like Chennai, Hyderabad and rest of Telangana.
- Evaluated credit worthiness of the customer.
- Financial analysis of the clients based on their financial statements.
- Conduct personal discussion with client for credit appraisal
- Approve loan and authorize sanction letter and determine the sanction conditions
- Sing sanction letters and disbursement documents up to Rs. 50 Lakhs.
- Careful analysis of all the documents as per banks guidelines
- Authorize loan application for salaries and corporate applicants
- Coordinate with legal and technical department to mitigate any risk.
Barclays Shared Services Pvt. Ltd
07.2013 - 12.2015
- Analyse different lending products including Mortgage, Overdrafts, Loans & Ancillaries.
- Ensure risk and legal compliance. Accounts and document verification.
- Mortgage and other loan approval and Collateral management and discharge.
- Regular correspondence and coordination with RMs, font office, solicitors, legal & risk department and property valuation professionals.
- Approve loans, mortgages and other facilities for draw down.
- QC the work of analyst.
- Managing daily work follow. Ensuring meeting deadline and reporting deviation.
- Preparing the repayment/redemption mortgage amount and Redemption letter to the client and solicitor.
- Providing Service to the customer for entire loan life cycle such as increasing the Loan amount, discharge of charge of over
HSBC Global Resourcing
05.2010 - 07.2013
- Working as Credit Service Executive at Commercial Lending & Underwriting, Credits department HSBC.
- To Play an Integral part of the credit cycle for HSBC Global Resourcing Department (US).
- To identify, examine, evaluate and analyse the financial statements of various commercial entities to determine their credit worthiness.
- To generate the financial reports consisting of the balance sheet analysis, income statement analysis, cash flow analysis, reconciliation statement and various financial ratios along with critical notes attached to the financial.
- To distinguish assets, liabilities, incomes and expenses and spread them according to the lending guide lines of HSBC.
Aviva Life Insurance Company
04.2009 - 05.2010
- As a management associated I have worked in sales, financial planning and advisory services. My job was target oriented and involved team management and training.
Education
MBA - Finance
IBS Hyderabad
01.2009
BBA - Finance
ICFAI National College
01.2007
Standard XII - undefined
Darul Huda Islamic School
01.2004
Standard X - undefined
Darul Huda Islamic School
01.2002
Skills
Loan underwriting skills
Timeline
Circle Credit Head
NeoGrowth Credit Pvt Ltd
12.2024 - Current
Area Credit Manager
Godrej Capital
08.2022 - 12.2024
Area Credit Manager
Equitas Small Finance Bank
10.2019 - 08.2022
Regional Credit Manager
ICICI Bank India Ltd
01.2016 - 10.2019
Barclays Shared Services Pvt. Ltd
07.2013 - 12.2015
HSBC Global Resourcing
05.2010 - 07.2013
Aviva Life Insurance Company
04.2009 - 05.2010
MBA - Finance
IBS Hyderabad
BBA - Finance
ICFAI National College
Standard XII - undefined
Darul Huda Islamic School
Standard X - undefined
Darul Huda Islamic School